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Bitpanda Card

Name: Bitpanda Card
Brand: Transact Payments Malta Ltd
Availability: InStock

Custodial Visa debit card for euro area residents spending 600+ crypto assets with real-time conversion.

The Bitpanda Card is a Visa debit card for euro area residents that lets you spend cryptocurrencies, precious metals, stocks, and euros directly from your Bitpanda portfolio. It converts digital assets to EUR in real-time at purchase, supporting over 600 crypto assets with instant selection managed via the app.

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Best for

Euro area residents spending 600+ assets held on the Bitpanda platform.

Skip if

You live outside the euro area or want to avoid trading fees.

Network

visa

Custody

custodial

KYC

full

Max cashback

Min monthly fee

Apple Pay

Yes

Google Pay

Yes

Physical card

Yes

The verdict

What we like

No monthly or annual maintenance fees.
1% crypto cashback on eligible purchases.
0% foreign exchange fees from Bitpanda.
Spend 600+ crypto assets, metals, stocks.
Supports Apple Pay and Google Pay.

Watch outs

2% ATM withdrawal fee (min €2).

Offers 1% cashback but charges trading fees on every crypto purchase.
No monthly fees but a 2% fee (min €2) on ATM withdrawals.
Supports Apple Pay and Google Pay but is a fully custodial card.

Basic information

Type: Visa Platinum debit card (physical and virtual) Network: Visa Availability: Euro area residents only Key Feature: Spend 600+ cryptocurrencies, metals, and stocks with real-time conversion from a Bitpanda account. Primary Benefit: No monthly fees and 0% foreign exchange fees from Bitpanda. Primary Drawback: Bitpanda's trading fees apply to each transaction and it is unavailable outside the euro area.

Fees

Card Issuance: Free (first card) Replacement Fee: €5.90 - €9.90 Monthly/Annual Fee: €0 ATM Withdrawal Fee: 2% (minimum €2) Foreign Exchange (FX) Fee: 0% from Bitpanda (Visa mark-up fees may apply) Asset Conversion Fee: Bitpanda's standard trading premium/fees apply to each transaction.

Spending & ATM limits

Notes: Contactless payment limit €50 without PIN (varies by country). Minimum transaction €1.00. One active card permitted per user.
Atm Daily: €500 (non-increasable)
Daily Spending: €10,000

Features

Spend cryptocurrencies, precious metals, and stocks directly
Real-time asset conversion at point of sale
Fallback asset functionality to prevent declines
Apple Pay and Google Pay integration
Physical and virtual cards available
Instant transaction notifications and in-app card freeze
Accepted at over 54 million Visa merchants worldwide

Rewards

Cashback: 1% cashback on all eligible purchases made with cryptocurrency. Cashback is credited instantly in the same cryptocurrency that was spent. Exclusions: No cashback is earned when spending from a EUR wallet, or on purchases made with stablecoins (USDT, USDC, EUROCV), precious metals, or stocks/ETFs. VIP Program: The previous BEST VIP program, which offered up to 2% cashback, is being phased out and replaced by the Vision (VSN) token ecosystem. All users currently receive a flat 1% cashback rate.

Availability

Euro area countries only (20 countries). Not available in non-euro area EU/EEA countries, United Kingdom (Bitpanda temporarily paused UK registrations as of 2025), Switzerland, or any non-European countries.

Top-up & funding

No pre-loading required - spend directly from Bitpanda account balances (crypto, stablecoins, metals, stocks)

Real-time asset conversion to EUR at purchase

Security & custody

EMV chip
PIN
3D Secure for online payments
Two-factor authentication (2FA)
Real-time push notifications
Instant card freeze/unfreeze in app
Visa's anti-fraud detection systems
Offline contactless payments supported

Risk note. If Bitpanda ceases operations, users could lose access to their funds. There is no option to connect an external or self-custody wallet.

Mobile wallets

Apple Pay Supported

Google Pay Supported

Samsung Pay—

Card tiers

Standard Bitpanda Card

Cashback: 1% on eligible crypto purchases
Card material: Standard black plastic with contactless NFC capability
Issuance fee: Free for first card; replacement fee €5.90–€9.90
Requirements: Verified Bitpanda account (Tier 2 KYC), euro area residency, not verified via Bankident

Visa Platinum tier
Multi-asset spending capability
Fallback asset functionality
Instant transaction notifications
Offline transaction capability

What users say

App Store

4.7/5.0 (8,477 ratings)

Google Play

4.4/5.0 (46,252 ratings)

Trustpilot

3.9/5.0 (13,264 ratings)

Positive feedback on ease of use and seamless integration; common complaints about slow customer support and hidden conversion costs

Risks & limitations

Risks

CounterpartyFully custodial model - if Bitpanda ceases operations, users lose access to their funds
MarketEach card transaction involves selling crypto assets for fiat, creating taxable events and exposure to conversion costs
RegulatoryBitpanda temporarily paused UK registrations as of 2025

Limitations

majorExclusively available to euro area residents only
moderateBitpanda's usual trading premium/fees applied to each transaction reduce effective rewards
moderate2% ATM withdrawal fee (minimum €2)
moderateEach transaction creates a taxable event in most jurisdictions
moderateFully custodial model with no option for self-custody
minorOnly one active card permitted per user
minorUsers verified via Bankident cannot order the card
moderateNot available to UK residents or Bankident-verified users
minorAutomated fuel dispensers (pay-at-pump gas stations) excluded

Roadmap

Recently shipped

New card version activated from April 1, 2025
Apple Pay and Google Pay re-enabled in May 2025 after brief gap during card transition
Vision (VSN) token replaces BEST/PAN for benefits from July 2025

Best suited for

Existing Bitpanda users in the euro area who want seamless access to their crypto investments for everyday spending, multi-asset investors who hold various cryptocurrencies, precious metals, and stocks on the Bitpanda platform, and convenience-focused users who value instant liquidity over maximizing rewards.

Our verdict

The Bitpanda Card offers euro area residents a convenient way to spend crypto, metals, and stocks directly from their portfolio. Its key features are multi-asset spending, instant conversion, and no monthly or FX fees from Bitpanda. However, its availability is limited, trading fees apply on each transaction, and it creates potential tax complications.

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